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Renters Insurance and Pet Coverage: What You Need To Know

Renters Insurance and Pet Coverage: What You Need To Know


Even the most cuddly pups and charming cats can wreak havoc in the wrong mood.

According to the American Pet Product Association (APPA), 70% of American households have pets. If you’re one of them, you’re probably accustomed to losing a bit of your security deposit for various damages each time you move.  

You may not know that your renters insurance may cover certain damage caused by pets.

There are a few exceptions to this, so it’s essential to understand how your insurance works with your pets. In this guide, we have covered everything you need to know about renters insurance with pet coverage:

  • What Is Renters Insurance With Pet Coverage?
  • When Does Renters Insurance for Pets Kick In?
  • Renters Insurance for Pets — Exceptions
  • The Goodcover Difference
  • Final Thoughts: What To Know About Renters Insurance With Pet Coverage

What Is Renters Insurance With Pet Coverage?

Most renters insurance policies are designed to cover three things: Damage to your landlord’s property, injury to others, and damage to your property.

For the most part, insurance companies only cover causes they have enough data on to estimate the likelihood of the event.

The good news is: Insurance providers can reasonably estimate pet damage using information like the species, breed, and number of pets.  Besides some aggressive dog breeds, renters insurance with pet coverage covers most pets.

The coverage works almost exactly like the rest of your renters insurance, with one exception: your personal property. Most renters insurance with pet coverage does not cover damage to your property.

When Does Renters Insurance for Pets Kick In?

Renters insurance with pet coverage kicks in when your covered pet damages your landlord’s or, if applicable, neighbor’s property.

For example, if your cat claws up the baseboards or your dog damages the carpets, your renters insurance may cover those damages up to a certain amount (at Goodcover, this may be up to $1,000) after making a claim and paying your deductible.

A renters insurance with pet coverage may also cover the damage if your pet attacks or bites a guest on your property.

Renters Insurance for Pets — Exceptions

Renters insurance with pet coverage only covers your landlord’s property and guests. It does not cover your property or any vet expenses related to your pet. So if your dog chews up your favorite throw pillow, you’ll have to pay from your pocket.

Besides that, statistically, certain dogs are much more likely to bite others based on their breed or training. A renters insurance with pet coverage may exclude those breeds. You should double-check with your renters insurance company to see if they cover your particular situation.

It’s always a good idea to read through your pet liability insurance for renters policy to see what’s covered.

Here’s Goodcover’s sample policy’s section on what breeds are typically excluded:

ALT: Sample renters insurance policy section on the breeds not covered by renters insurance.


If you own such a dog, you may still be able to purchase additional supplemental coverage.

Finally, your renters insurance only covers damages up to your personal liability limits. Most renters insurance policies offer a basic coverage of $100,000. However, the average cost of a dog bite claim in 2020 was $50,425, and it can certainly climb higher.

With multiple pets, you should consider raising your coverage above $100,000.

Pets and renters insurance — Infographic summarizing what is and isn’t covered.

The Goodcover Difference

With your furry friends to consider, you may have difficulty finding the right renters insurance with pet coverage — but Goodcover makes it easy.

Goodcover’s affordable insurance plans start at $5/month, backed by the Goodprice Guarantee — if you find the same coverage at a lower price, we’ll refund your premium.  

If you’re unsure how much coverage you need, Goodcover can help you ensure your coverage is set at just what you need, not a penny more. We’re more than a bot — available by phone, text, or chat to help you figure out the right amount of coverage. If you’re feeling up for it, you can also use our guide to help you figure out how much renters insurance you really need.

Once you figure out how much insurance you need, you can get a quote in under one minute.  Goodcover uses precise assessments that overcome traditional risk biases — many of which have existed for decades — to ensure we’re not overcharging you. Goodcover then collects Member premiums and takes a flat fee for claims and operating costs.


Annually, Goodcover returns unused funds from premiums to the customer through its Member Dividend if any are available. In 2021, Goodcover returned 1.93% of the collected premiums to its Members.

Simply put: Goodcover is designed with renters in mind. We believe finance should make money helping you, not arbitraging you. That’s the Goodcover difference.

Final Thoughts: What To Know About Renters Insurance With Pet Coverage

Renters insurance often covers damage to your landlord’s property and injury to your guests caused by a non-aggressive pet. Aggressive breeds and damage to your belongings are almost always excluded.

Whatever renters insurance you choose, you should understand your policy and get coverage at a fair price.

With Goodcover, we’re committed to pricing our service fairly, so you pay less than with any competitor.

Switch to fair, modern, and cooperative insurance — get a Goodcover quote.


Note: This post is meant for informational purposes, insurance regulation and coverage specifics vary by location and person. Check your policy for exact coverage information.

For additional questions, reach out to us – we’re happy to help.

Goodcover is a modern, fair, cooperative renters insurance starting at $5/mo.

Our mission is to build a community of Members enjoying financial peace of mind at the lowest possible cost. Get your instant quote and become a Member today; if you’re switching we’ll do the work for you and you’ll get a refund of anything you’ve prepaid.

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© 2022 Goodcover Insurance Solutions, LLC. Licensed in AZ #3001513665, CA #0M20813, NV #3720512, TX #2733601

Goodcover Insurance Solutions, LLC (Goodcover) is an insurance agency licensed to sell property-casualty insurance products. Goodcover will receive compensation from insurance carrier partners for such sales. Refer to the Legal Notices section for additional information.

Issuance of coverage is subject to underwriting review and approval. Coverage may not be available in all states. Please see a copy of the policy for the full terms, conditions and exclusions. Policy obligations are the sole responsibility of the insurance carrier listed in your Policy Declarations. Coverage scenarios are hypothetical and shown for illustrative purposes only. Coverage is dependent on the actual facts and circumstances giving rise to a claim.